Yes you can have only pin or pass phrase. This is just an additional option

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Exactly what more than 5th grade math do you need in such world?

I think a lot of people forget what they learn in 5th grade math. You learn negative numbers. You learn unit conversion, fraction, prime, square roots.

Would more math help absolutely. Especially with the logic wizard seems to lack. But it is not like many people use higher level math today anyway.

According to the British government 5th grade math includes interpret negative numbers in context, count forwards and backwards with positive and negative whole numbers, including through 0.